USAA Credit Cards

To log in to your USAA credit card account, go to the login page on the USAA website or mobile app and enter your username and password in the appropriate fields. Then, click the “Log On” to access your online account. If you don't already have an account, you will need to start by clicking “Register For Access” in order to set up a username and password.

How to Log in to a USAA Credit Card Account

1. Register your USAA credit card for online account access. Click “Register For Access” and enter your USAA number or Social Security number to verify your credit card account.
2. Choose your USAA username and password. The username must be at least 5 characters, including special characters, and no spaces. The password must contain at least 8 characters and have at least one lowercase letter, one uppercase letter, and one number. It can't start with an uppercase letter or end with a number. The password is case sensitive and may contain special characters.
3. Log in with your new USAA credentials. From the login page on the USAA website or mobile app, fill out the Online ID, Password and PIN fields using your new credentials, then click “Log On” to access your account.

After you have signed up and logged in, you'll be able to manage your USAA credit card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

If you forget your login information, click “I need help logging on” on the USAA login page. Then, just follow the prompts to reset or retrieve your username or password.

No, USAA doesn't have any student credit cards. But there are plenty of other issuers that offer them.

Here are some of the best student credit cards:

Whichever student card you choose, use it wisely. Don't go over your credit limit and make sure to pay your bill on time. You should also avoid opening too many credit accounts in a short amount of time. Irresponsible use of your student card can easily damage the very credit you're trying to build.

You can only get pre-approved for a USAA credit card if you have received a pre-approved offer via mail. At the moment, there's no way to check for pre-approval online.

What you should know before applying for a USAA credit card:

Even though USAA does not offer a pre-approval tool online, there are a few ways to gauge your approval odds before applying. First, make sure you're actually eligible for USAA membership. In particular, you must be a member of the U.S. military, or an eligible family member of someone who has served in the armed forces.

If you're eligible for USAA membership, you can move on to figuring out which card is the best fit. Fortunately, there are USAA credit cards are available to people of all credit levels, from bad to excellent. So, you should find an offer that will approve you.

Here's what to do instead of USAA credit card pre-approval:

• Check your credit score: You can check your latest credit score for free on WalletHub. Your score will give you a good sense of which offers you're likely to qualify for. Most USAA credit cards require good credit or better. If you have bad credit, USAA's secured credit cards are your only options.
• Use an online tool:There are tools that match you with a card, based on your credit score as well as your expected monthly spending and payments. Getting a match isn't the same thing as being approved, though. You can get a recommendation using WalletHub's free CardAdvisor tool, which considers offers from other major issuers.
• Call customer service: USAA members may call (800) 531-8722, enter their member ID number, and ask to speak to a credit card specialist. You can ask the specialist for advice about which USAA card would be the best fit for you. They won't be able to give you definitive answers, but they can point you in the right direction.
   
  If you aren't a USAA member yet, you can find out whether you're eligible and join online.
• Assess your own needs: If you have good or excellent credit and plan to pay your bill in full every month, focus on USAA's rewards credit cards. If not, consider an offer with a 0% introductory APR, either on new purchases or balance transfers.

There's no way to check for USAA credit card pre-approval. But if you're eligible for USAA membership, you should be able to find a card that will approve you.

The best USAA cash back credit card is the USAA® Cashback Rewards Plus American Express® Card. It offers 5% cash back on gas and military base purchases (up to $3,000 spent per year), 2% cash back at supermarkets (up to $3,000 spent per year), and 1% back on all other purchases. The USAA® Cashback Rewards Plus American Express® Card also has a $0 annual fee and requires excellent credit for approval.

For people who'd prefer to earn cash back rewards at one flat rate on all purchases, the best USAA cash back card is the USAA® Preferred Cash Rewards Visa Signature® Card. It offers 1.5% cash back on everything. Plus, as a Visa card, it will be accepted by more merchants than an American Express card. The USAA® Preferred Cash Rewards Visa Signature® Card also has a $0 and requires excellent credit.  

USAA Cash Back Credit Cards

The real question is whether the best USAA credit card for cash back is actually the best cash rewards card overall. There are a lot of great offers out there from other issuers, and they're at least worth a look.

You can apply for a USAA credit card either online or over the phone at (800) 531-8722. 

To apply for any USAA credit card, you'll first need to sign up for a USAA membership on their website. So, make sure you meet the USAA eligibility requirements beforehand. Once you have established your membership, you can apply for a USAA credit card. 

Here's how to apply for a USAA credit card:

• Online: To apply online, log in to your USAA account and go to the dedicated web page to choose your preferred credit card. From there, click on “Get Started” and follow the on-screen instructions to submit your application. You will need to provide your personal information, such as your full name, mailing address, and your Social Security Number, among other things.
• Over the phone: Call (800) 531 -8722 and follow the automated prompts to get connected to a customer service representative. 

After you submit your USAA credit card application, you will most likely receive a response instantly. If not, allow up to 7 business days for a decision. To check the status of your USAA application, call (800) 531 -8722 and ask to speak to a credit card specialist.